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Capital City Bank Group vs Choiceone Financial Services: CCBG and COFS compared
Capital City Bank Group is the larger company: $64.4M of revenue in its latest quarter (Q3 2026) against $58.9M for Choiceone Financial Services (Q2 2026). Capital City Bank Group is growing faster (-2% against -3% a year earlier). Capital City Bank Group is more profitable, with an operating margin of 34.4% against 25.5%.
Where the money goes: CCBG and COFS
Capital City Bank Group (CCBG) · Q3 2026
Capital City Bank Group, Q3 2026: revenue $64.4M (-2% year over year), operating margin 34.4%, net earnings $16.9M, operating cash flow $33.1M. The chart follows the revenue to costs, profit and cash.
Choiceone Financial Services (COFS) · Q2 2026
Choiceone Financial Services, Q2 2026: revenue $58.9M (-3% year over year), operating margin 25.5%, net earnings $12.5M, operating cash flow $29.9M. The chart follows the revenue to costs, profit and cash.
| Capital City Bank Group (CCBG) | Choiceone Financial Services (COFS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q2 2026 |
| Revenue | $64.4M | $58.9M |
| Revenue growth, Y/Y | -2% | -3% |
| Operating margin | 34.4% | 25.5% |
| Net earnings | $16.9M | $12.5M |
| Net margin | 26.3% | 21.2% |
| Operating cash flow | $33.1M | $29.9M |
| Free cash flow | $29.2M | $27.1M |
Where the revenue comes from
Capital City Bank Group
- Net interest income: $45.0M (70%)
- Noninterest income: $19.4M (30%)
Questions
Which is bigger, Capital City Bank Group or Choiceone Financial Services?
Capital City Bank Group is the larger company: $64.4M of revenue in its latest quarter (Q3 2026) against $58.9M for Choiceone Financial Services (Q2 2026).
Is Capital City Bank Group or Choiceone Financial Services growing faster?
Capital City Bank Group is growing faster (-2% against -3% a year earlier).
Which is more profitable, Capital City Bank Group or Choiceone Financial Services?
Capital City Bank Group is more profitable, with an operating margin of 34.4% against 25.5%.
More: Capital City Bank Group earnings · how Capital City Bank Group makes money · Choiceone Financial Services earnings · how Choiceone Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Aug 10, 2026). Fiscal quarters can end on different dates. Not investment advice.